I'm currently experimenting with a Flat Fee @Buy Rate MCA program. Basically for Advances under $50K, we offer buy rate + a flat success fee (ach'd after funding) that's tiered
to the amount funded. Just like back in the mortgage days, homeowners cared less about fees than about rates. Merchant gets a better deal (or par at lower funding amounts)
and discounts as funding amount goes up. Right now only applies to my in-house deals, my outside reps deals are done traditional MCA due to pay outs on commission agreemetns.